Learn how to verify insurance coverage in Texas and ensure your policy protects you when it matters most. Discover key steps and tips! Dec page, endorsements, COIs, renewals. Close gaps and lower your premium. Call (806) 798-7800.

Navigate the general liability insurance process for Texas businesses with confidence. Protect your business and avoid costly legal pitfalls. Learn how now! Apply, buy, and claim without gaps. Get Better. Get Hettler. (806) 798-7800.

Discover the benefits of business owner policies for Texas SMBs. Save on insurance costs and simplify coverage with a BOP package!

Discover the vital role of insurance endorsements for Texas policyholders. Learn how to protect your coverage and avoid claim denials. Insurance endorsements for Texas policyholders — how endorsements modify policies, common types, cost, review cadence. Ron Hettler, CIC (certified insurance counselor).

Explore essential professional liability coverage types for Texas businesses. Choose the right protection to safeguard your enterprise today! Caims-made vs occurrence, E&O, tail coverage, blended policies. (806) 798-7800.

Discover general liability insurance explained clearly for business owners. Protect your assets and ensure your business is covered. What GL (general liability) covers, cost, contract requirements, and the top coverage gaps. Ron Hettler, CIC (certified insurance counselor).

Discover why cyber insurance matters for your business. Protect against costly cyberattacks and safeguard your operations today. Cyber insurance explained — what it covers, cost, required controls, and why your GL policy won't help after a breach. Ron Hettler, CIC (certified insurance counselor).

Learn what is coinsurance in insurance and how it impacts your costs. Understand percentages, deductibles, and out-of-pocket maximums. Coinsurance explained in Texas — how the 80/20 split works after your deductible, property coinsurance penalty, and out-of-pocket caps. Ron Hettler, CIC (certified insurance counselor).

Understand what is additional insured status to protect your Texas business. Learn how it benefits you with essential coverage insights. Additional insured explained for Texas businesses — what it is, endorsement vs certificate holder, contract requirements, and how to verify. Learn from licensed agents and certified insurance counselors.

Discover what is workers compensation, your rights, benefits, and next steps for medical care and wage replacement after job-related injuries. What Texas workers' comp pays for, who is covered, how to file and appeal a claim, and how Texas opt-out rules work. Ron Hettler, CIC (certified insurance counselor) explains rights and next steps.

Are you suddenly without a job? Are you eligible to collect unemployment income? Lots of people think that if you quit your job that they’re not eligible to receive unemployment checks. Well, that’s not always true. But, you may be doing things that cause you to be denied unemployment benefits. Losing your job can be scary both financially and emotionally. But, unemployment income benefits (aka […]

Kids at home? And, you’re trying to work? Advice for working from home, with kids. (If you’re reading this and currently looking for work, we pray you get what you need.) 1. Use visual cues to designate your workspace. Create a designated area as your work zone and use it consistently. Help your kids build the association that when you’re sitting there, you are working […]